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Normal Retirement Age

Updated July 14, 2006
Retirement before "Normal Retirement Age" (NRA) reduces benefits, and retirement after NRA increases benefits.

NRA, also referred to as "Full Retirement Age," varies from age 65 to age 67 by year of birth.

When will you reach your NRA?
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The normal retirement age (NRA) is the age at which retirement benefits (before rounding) are equal to the "primary insurance amount." The table below shows how NRA varies by year of birth for retirees.
Normal Retirement Age
Year of birth Age
1937 and prior 65
1938 65 and 2 months
1939 65 and 4 months
1940 65 and 6 months
1941 65 and 8 months
1942 65 and 10 months
1943-54 66
1955 66 and 2 months
1956 66 and 4 months
1957 66 and 6 months
1958 66 and 8 months
1959 66 and 10 months
1960 and later 67
Notes:
1. Persons born on January 1 of any year should refer to the normal retirement age for the previous year.
2. For the purpose of determining benefit reductions for early retirement, widows and widowers whose entitlement is based on having attained age 60 should add 2 years to the year of birth shown in the table.
Effect of early or delayed retirement We have a calculator that computes the percentage reduction or percentage increase in benefits for retirees when selecting early or delayed retirement. We have a similar calculator for reduced spousal benefits. Please note that neither of these calculators should be used for survivor benefits.
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